Motor Traders Insurance External section
|
|
- Logan Scott
- 6 years ago
- Views:
Transcription
1 Motor Traders Insurance Sub-section Loss or Damage Defined events Loss of or damage to any vehicle and its accessories and spare parts whilst thereon occurring whilst the vehicle is 1. on the road; 2. temporarily garaged during the course of a journey elsewhere than in or on any business premises owned and/or occupied by the insured anywhere in the Republic of South Africa, Namibia, Botswana, Lesotho Swaziland, Zimbabwe and Malawi. In addition, if such vehicle is disabled by reasons of any loss or damage insured hereby, the company will pay the reasonable cost of protection and removal to the nearest repairers and the insured may give instructions for repairs to be executed without the previous consent of the company to the extent of but not exceeding R2 000 provided that a detailed estimate is first obtained and immediately forwarded to the company. The company will also pay the reasonable cost of delivery to the insured after repair of such loss or damage not exceeding the reasonable cost of transport to the permanent address of the insured in the Republic of South Africa, Namibia, Botswana, Lesotho, Swaziland Zimbabwe and Malawi provided that 1. the limit of indemnity for loss of or damage to any vehicle is as stated in the schedule and shall be the maximum amount payable by the company in respect of such loss or damage but shall not exceed the reasonable market value of the vehicle and its accessories and spare parts at the time of such loss or damage. 2. the company may at its own option repair reinstate or replace such vehicle or any part thereof and/or its accessories and spare parts or may pay in cash the amount of the loss or damage not exceeding the reasonable market value of such vehicle and/or its accessories and/or spare parts at the time of such loss or damage. 3. if to the knowledge of the company the vehicle is the subject of a suspensive sale or similar agreement such payment shall be made to the owner described therein whose receipt shall be a full and final discharge to the company in respect of such loss or damage. 4. in respect of each and every occurrence giving rise to a claim under this sub-section, the insured shall be responsible for the first amounts payable stated in the schedule (according to the type of vehicle) of any expenditure (or any less expenditure which may be incurred) for which provision is made under this sub-section (including any payment in respect of costs expenses and fees) and of any expenditure by the company in the exercise of any discretion it may have under this insurance. If the expenditure incurred by the company shall include any first amount payable for which the insured is responsible, such amount shall be paid by the insured to the company forthwith. Exceptions to sub-section A The company shall not be liable to pay for 1. consequential loss as a result of any cause whatsoever depreciation in value whether arising from repairs following a defined event or otherwise wear and tear mechanical or electrical breakdowns failures or breakages. 2. damage to tyres by application of brakes or by road punctures cuts or bursts. 3. damage to springs/shock absorbers due to inequalities of the road or other surface or to impact with such inequalities. 4. detention confiscation or requisition by customs or other officials or authorities. 5. loss of or damage to accessories or spare parts by theft unless the vehicle is stolen at the same time. Sub-section B - Liability to third parties Defined events Any accident caused by or through or in connection with any vehicle or in connection with the loading and/or unloading of such vehicle against all sums including claimant s costs and expenses which the insured shall become legally liable to pay in respect of 1. death of or bodily injury to any person but excluding death of or bodily injury to any person in the employ of the insured arising from and in the course of such employment or being a member of the same household as the insured.
2 2. damage to property other than property belonging to the insured or held in trust by or in the custody or control of the insured or being conveyed by or loaded onto or unloaded from such vehicle. The company will also (in terms of and subject to the limitations of and for the purposes of this sub-section) 1. pay all costs and expenses incurred with their written consent and shall be entitled at their discretion to arrange for representation at any inquest or inquiry in respect of any death which may be the subject of indemnity under this sub-section or for defending in any magistrate s court any criminal proceedings in respect of any act causing or relating to any event which may be the subject of indemnity under this sub-section, provided that the total of the company s liability under both this extension and sub-section B shall not exceed the limit of indemnity stated to apply to sub-section B. 2. indemnify any person who is driving or using such vehicle on the insured s order or with the insured s permission provided that (a) such person shall as though he were the insured observe fulfil and be subject to the terms exceptions and conditions of this insurance in so far as they can apply. (b) such person driving such vehicle has not been refused any motor insurance or continuance thereof by any insurer. (c) indemnity shall not apply in respect of claims made by any member of the same household as such person. (d) such person is not entitled to indemnity under any other policy except in respect of any amount not recoverable thereunder. Exceptions to sub-section B The company shall not be liable under this sub-section in respect of 1. so much of any compensation or claim as falls within the scope of any compulsory motor vehicle insurance enactment. This exception shall apply notwithstanding that no insurance under such enactment is in force or has been effected. 2. death of or in jury to any person being carried in or upon or entering or getting onto or alighting from any motor cycle motor scooter or side-car attached thereto at the time of the occurrence of the event from which any claim arises. 3. liability arising from the operation demonstration or use for purposes other than maintenance or repair of a vehicle (unless it is a fork lift truck) of any tool or plant forming part of or attached to or used in connection with a vehicle or anything manufactured by or contained in any such tool or plant. Limits of indemnity Unless otherwise stated the liability of the company under this sub-section in respect of any one occurrence shall not exceed the limits of indemnity as stated in the schedule. Definitions 1. Occurrence The term occurrence shall mean an occurrence or series of occurrences arising from one cause in connection with any one vehicle in respect of which indemnity is provided by this insurance. 2. Vehicle The term vehicle shall mean (a) any motor vehicle or trailer the property of or in the custody or control of the insured (excluding any vehicle being the property of the insured and hired or sold under a suspensive sale or other deferred ownership agreement unless such vehicle is in the custody or control of the insured at the time of the occurrence of the event out of which any claim arises) and (b) any vehicle (mechanically-propelled or otherwise) attached to a vehicle covered under (a) above for the purpose of being towed or salvaged. No claim rebate provisions In the event of no claim being made or arising under this section during a period of insurance specified below immediately preceding the renewal of this policy the renewal premium will be subject to the No Claim Discount as follows: Period of insurance No Claim Discount the preceding year 10% the preceding two or more consecutive years 20% otherwise than above no discount applies Should the company consent to a transfer of interest in this policy the period during which the interest was in the transferor shall not accrue to the benefit of the transferee. 2/5
3 Extensions 1. Social domestic and pleasure use (if stated in the schedule to be included) The description of use clause is extended to include use for social domestic and pleasure purposes in respect of the persons named in the schedule. 2. Loss of use of customers vehicles (if stated in the schedule to be included) In the event of the company being liable to indemnify the insured under sub-section A of this section in respect of loss of or damage to any vehicle being the property of a customer whilst in the custody or control of the insured the company will also indemnify the insured notwithstanding exception (a) in the exceptions to sub-section A of this section against liability at law to pay compensation for loss of use of such vehicle provided that the liability of the company shall be limited to the amounts stated in the schedule. 3. Unauthorised use by employees (if stated in the schedule to be included) Specific exception 1(a) (ii) is cancelled. 4. Legal liability of passengers for acts of negligence (if stated in the schedule to be included) The company will at the request of the insured indemnify in terms of sub-section B of this section any person using the vehicle provided that such person (a) is not personally driving or in control of the vehicle. (b) is not entitled to indemnify under any other policy. (c) is not under the influence of intoxicating liquor or drugs. (d) shall as though he were the insured observe fulfil and be subject to the terms exceptions and conditions of this section in so far as they can apply. 5. Windscreen extension (if stated in the schedule to be included) The provisions of this section relating to first amount payable and No Claim Rebate shall not apply to any payment for damage to windscreen glass side or rear glass forming part of any vehicle provided that (a) no other damage has been caused to the vehicle giving rise to a claim under the policy. (b) the insured shall be responsible for the first amount payable stated in the schedule of each and every loss. 6. Cross liabilities Where more than one insured is named in the schedule the company will indemnify each insured separately and not jointly and any liability arising between such insured shall be treated as though separate policies had been issued to each, provided that the aggregate liability of the company shall not exceed the limit of indemnity stated in the schedule.. 7. Riot and strike extension (if stated in the schedule to be included) Subject otherwise to the terms conditions exclusions exceptions and warranties contained therein this section is extended to cover loss or damage directly occasioned by or through or in consequence of (a) civil commotion labour disturbances riot strike or lockout. (b) the act of any lawfully established authority in controlling preventing suppressing or in any other way dealing with any occurence referred to in (a) above. Provided that this extension does not cover (a) loss or damage occurring in the Republic of South Africa and Namibia. (b) consequential or indirect loss or damage of any kind or description whatsoever, other than loss of rent if specifically insured. (c) loss or damage resulting from total or partial cessation of work, or the retarding or interruption or cessation of any process or operation. (d) loss or damage occasioned by permanent or temporary dispossession resulting from confiscation commandeering or requisition by any lawfully constituted authority. (e) loss or damage related to or caused by any occurrence referred to in General exception 1(a) (ii), (iii), (iv), (v) or (vi) of this policy or the act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any such occurrence. If the company alleges that by reason of provisos (a), (b), (c), (d) or (e) loss or damage is not covered by this section, the burden of proving the contrary shall rest on the insured. Memoranda 1. Premium adjustment clause The premium for each period of insurance which may be accepted by the company shall be based upon the estimated wages salaries commissions and any other consideration payable by the insured to all 3/5
4 employees. Where the insured is an individual or a partnership a minimum amount of R must be added for each principal. At the commencement of each period of insurance the insured shall furnish to the company a statement containing an estimate of the amount of wages salaries commissions and any other considerations as aforesaid and shall pay to the company an estimated premium calculated upon such statement. Upon the termination of each period of insurance the insured shall within one calendar month furnish to the company a statement of the actual amount paid or allowed as aforesaid and if the total amount disclosed by such statement shall differ from the amount upon which the estimated premium was calculated the difference in premium shall be met by an additional payment to the company or by a refund to the insured calculated on the basis of the company s scale of charges for this section. It is a condition precedent to any liability of the company under this section that (a) the insured shall regularly record in a proper wage register the name of every employee together with the wages salary commission and other consideration paid or allowed to such employee and shall immediately record in such wage register the date of engagement and of discharge of each employee. (b) the insured shall at all times permit the company through any of its representatives to inspect such wage register. 2. Description of use clause (wages basis) Use for business purposes of the insured by the insured a member director or employee of the insured excluding transit delivery or convoying for or on behalf of the insured by casual drivers or persons not wholly and regularly engaged in the employ of the insured including use for purposes of tuition provided that the person being taught to drive is complying with the law in force relating to learner-drivers and is accompanied by a fully licensed driver who shall be either the insured a member of the insured or an employee of the insured including use for purposes of demonstration which shall include driving by the person to whom the vehicle is being demonstrated provided that such person is accompanied by a fully licensed driver who shall be either the insured or a member director or employee of the insured and use for social domestic and pleasure purposes (whether such use is incidental to the business of the insured or not) by any person other than the insured a member a director or an employee of the insured. Optional limitations 1. Third party only limitation (if stated in the schedule to be applicable) Sub-section A and the No Claim Rebate provisions are cancelled. 2. Exclusion of demonstration risk (if stated in the schedule to be applicable) The company shall not be liable for accident injury loss damage or liability whilst any vehicle is being used for the purpose of demonstration. 3. Exclusion of passenger liability (if stated in the schedule to be applicable) The company shall not be liable under sub-section B of this section in respect of death of or injury to any person(s) being carried in or upon or entering or getting onto or alighting from any vehicle at the time of the occurrence of the event from which any claim arises. 4. Exclusion of own vehicles (if stated in the schedule to be applicable) The definition of vehicle is amended to exclude any vehicle owned hired and/or leased by the insured. Specific exceptions 1. The company shall not be liable for any accident injury loss damage or liability (a) (i) whilst the vehicle is being used otherwise than in accordance with the description of use clause. (ii) whilst the vehicle is being used for any unauthorised purpose by an employee of the insured or by any other person with whom such employee is or was acting in collusion. (b) incurred outside the Republic of South Africa, Namibia, Botswana, Lesotho, Swaziland, Zimbabwe and Malawi but the company will indemnify the insured against loss of or damage to any vehicle while in transit by sea between the ports in these territories including loading and unloading incidental to such transit. (c) incurred while any vehicle is being driven by (i) the insured while under the influence of intoxicating liquor or drugs (unless administered by or prescribed by and taken in accordance with the instructions of a member of the medical profession other than himself) or while not licensed to drive such vehicle. (ii) any other person with the general consent of the insured who to the insured s knowledge is under the influence of intoxicating liquor or drugs (unless administered by or prescribed by and taken in accordance with the instructions of a member of the medical profession other than himself) or is not licensed to drive such vehicle 4/5
5 provided that any driver shall be deemed to be licensed to drive the vehicle if he is complying with the licensing laws relating to any of the territories referred to under specific exception (b) or if non-compliance with any licensing law is solely because of failure to renew any licence subject to periodic renewal or if a licence is not required by law or while such driver is learning to drive and is complying with the laws relating to learners. 2. The company shall not be liable for any claim arising from contractual liability, unless such liability would have attached to the insured notwithstanding such contractual agreement. Specific condition If during the currency of this section any driver s licence in favour of the insured or their authorised driver is endorsed suspended or cancelled or if he or they shall be charged or convicted of negligent reckless or improper driving, notification shall be sent in writing to the company immediately the insured have knowledge of such fact. 5/5
MOTOR TRADERS EXTERNAL RISK
MOTOR TRADERS EXTERNAL RISK Sub-section A (Loss or damage) Defined Events Loss of or damage to any vehicle as defined herein, the property of the insured or in his custody or control (excluding any vehicle
More informationMOTOR TRADERS SECTION
MOTOR TRADERS SECTION Definitions The following definitions apply to the words or terms listed below wherever they appear in this section unless specifically otherwise indicated. 1. The Vehicle - shall
More informationMOTOR TRADERS EXTERNAL RISKS
MOTOR TRADERS EXTERNAL RISKS DEFINED EVENTS The company will in accordance with the terms, exceptions and conditions of Sub-sections A and B indemnify the Insured in respect of any accident, loss or damage
More informationAbsa Business Insurance Policy Motor Traders External Risks Section
Absa Insurance Company Limited, Reg No 1992/001737/06 Absa Business Insurance Policy Motor Traders External Risks Section UNRESTRICTED Defined events The company will in accordance with the terms, exceptions
More informationMOTOR. Sub-section A (Loss or damage)
MOTOR Sub-section A (Loss or damage) Defined events Loss of or damage to any vehicle described in the schedule and its accessories and spare parts whilst thereon. In addition, if such vehicle is disabled
More informationGOODS IN TRANSIT. Limitations The transporting of the following is excluded: Transporting goods for any third parties without Our prior consent.
GOODS IN TRANSIT Defined events Loss of or damage to the whole or part of the property described in the schedule, owned by You or for which they are responsible, in the course of transit by the means of
More informationSUB-SECTION A MATERIAL DAMAGE
MOTOR SUB-SECTION A MATERIAL DAMAGE INSURED EVENT Loss of or damage to an insured vehicle the property of or hired by or purchased or leased under a suspensive sale/lease agreement by the Insured including
More informationMOTOR. Sub-section A (Loss or damage)
MOTOR Sub-section A (Loss or damage) Defined events Loss of or damage to any vehicle described in the schedule and its accessories and spare parts whilst thereon. In addition, if such vehicle is disabled
More informationMOTOR DEFINED EVENTS SUB SECTION A EXCEPTIONS TO SUB-SECTION A
MOTOR DEFINED EVENTS SUB SECTION A Loss of or damage to any vehicle described in the Schedule and its accessories and spare parts whilst thereon. In addition, if such vehicle is disabled by reasons of
More informationSASRIA LIMITED Reg. No. 1979/000287/06
SASRIA LIMITED Reg. No. 1979/000287/06 ANNEXURE 15 MOTOR POLICY OF INSURANCE FOR SPECIAL RISKS in respect of property as defined --------------------------------- THE POLICY DEFINITIONS 1. Wherever the
More informationCarProtect Insurance Policy
CarProtect Insurance Policy Please check this Policy carefully to ensure it meets your requirements 1. Insuring Clause The Insured and the Company agree: (a) the Proposal and Declaration is incorporated
More informationCOMMERCIAL VEHICLE INSURANCE POLICY
COMMERCIAL VEHICLE INSURANCE POLICY WHEREAS the Insured by a proposal and declaration, which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the
More informationRenasa Taxi Underwriters Protector Plan Series
Series Whereas the insured named in the Schedule hereto has applied to the Insurance Company named in the schedule (hereinafter called the company) for the insurance hereinafter contained and has paid
More informationMOTOR VEHICLES POLICY
A I G American Home Assurance Company (incorporated in the USA) 26 Esperidon street 2001 Strovolos Introduction MOTOR VEHICLES POLICY The Insured is requested to read the Policy wording, the Schedule,
More information1. The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst thereon.
Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the insurance
More informationCOMMERCIAL VEHICLE POLICY
COMMERCIAL VEHICLE POLICY INSURANCE Jubilee Insurance (Mauritius) Limited Mezzanine Level,One Cathedral Square CNR Pope Hennessy & George Guilbert Streets Port Louis, Mauritius Tel: +230 210 3678 Fax:
More informationPublic Liability section (Occurrence basis) - Absa Select. Defined events
Public Liability section (Occurrence basis) - Absa Select Defined events Damages which the insured shall become legally liable to pay consequent upon accidental death of or bodily injury to or illness
More informationANNEXURE 4. Any attempt to perform any act referred to in clause (i), (ii) or (iii) above;
Sasria SOC Limited P.O. Box 653367, BENMORE, 2010 36 Fricker Road, Illovo, Sandton, 2196 Tel: +2711 214 0800 or 086 172 7742 (Switchboard) Fax: +27 11 447 8630 Reg. No. 1979/000287/06 VAT Reg. 4140119340
More informationMINI FLEET KEY FACTS TAILORED COVER FOR MOTOR FLEETS
MINI FLEET KEY FACTS TAILORED COVER FOR MOTOR FLEETS Product Summary This document provides a summary of cover for the Mini Fleet Policy Mini Fleet Policy Please read this document carefully. Full terms
More informationMINI FLEET KEY FACTS TAILORED COVER FOR MOTOR FLEETS
MINI FLEET KEY FACTS TAILORED COVER FOR MOTOR FLEETS Product Summary This document provides a summary of cover for the Mini Fleet Policy Mini Fleet Policy Please read this document carefully. Full terms
More informationCommercial Public Service Vehicle (PSV) Insurance Policy
Commercial Public Service Vehicle (PSV) Insurance Policy 1 Welcome to your Commercial Vehicle (PSV) Insurance Policy Dear Thank you for choosing us as your insurer. This is your policy document. It is
More informationPOLICY WORDING THIS POLICY INCLUDES CONSENT TO THE DISCLOSURE OF PRIVATE UNDERWRITING AND CLAIMS INFORMATION IN GENERAL CONDITIONS CLAUSE 16
Underwritten by Santam Structured Insurance Limited (SSI) formally known as RMB Structured Insurance Limited (Registration Number 1952/000436/06) Administered by Heavy Commercial Vehicle Underwriting Managers
More information3. any loss arising following the use to keys of the safe(s) or strong room(s) if such keys are left in the premises after business hours
MONEY SECTION Defined events The company shall indemnify the insured in respect of loss of or damage to money, receptacles and clothing (as defined) subject to the limits stated hereunder occurring in
More informationInsurance. Type of cover Comprehensive. Cover provided. Third party, fire and theft
Insurance PRIVATE CAR POLICY Here is your private car policy. We have written it in plain English so that you can understand your rights and duties. Please read the policy carefully to make sure that it
More informationPROPOSAL FOR MOTOR COMMERCIAL
GA Insurance House, Ralph Bunche Road, P O Box 42166-00100 Nairobi, Kenya. Telephone: 2711633 Fax 2714542 E-mail: insure@gakenya.com PROPOSAL FOR MOTOR COMMERCIAL AGENT: POLICY NO. FULL NAME... AGE E-MAIL..
More informationMOTOR CYCLE COMPREHENSIVE TAKAFUL POLICY
This document may be called Participant s Membership Document (hereinafter referred to interchangeably as scheme or policy ) as defined in the Takaful Rules, 2012. MOTOR CYCLE COMPREHENSIVE TAKAFUL POLICY
More informationREGENT COMMERCIAL VEHICLE POLICY (RCV)
REGENT COMMERCIAL VEHICLE POLICY (RCV) REGENT INSURANCE COMPANY LIMITED POLICY TERMS AND CONDITIONS 1. GENERAL EXCEPTIONS CONDITIONS AND PROVISIONS Subject to the terms, exceptions, conditions and provisions
More informationVEHICLE & EQUIPMENT BAILMENT AGREEMENT
Page 1 of 13 Parties Line Haul Pty Limited ABN 75 077 642 221 Vehicles and Trailers Xmas Pty Limited ABN 56 003 220 906 Financial Services Computer Equipment Febtay Pty Limited ABN 88 054 961 901 Vehicles
More informationMOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS
MOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS Subject to coverage, conditions and exclusions of this policy and endorsements attached to this policy, the Company agrees with the Insured as follows:
More informationSummary of Commercial Vehicle insurance cover
Summary of Commercial Vehicle insurance cover This is for general information only. You can find the precise terms and conditions of this plan in the policy contract. Plan & Coverage Preferred Workshop
More informationBidvest Car Rental t/a Budget Car and Van Rental : Terms and Conditions
Bidvest Car Rental t/a Budget Car and Van Rental : Terms and Conditions 1. Definitions In this agreement, unless the context indicates otherwise, the following expressions shall bear the following meanings:
More informationSUMMARY OF COMMERCIAL VEHICLE INSURANCE COVER
SUMMARY OF COMMERCIAL VEHICLE INSURANCE COVER INSURER Zenith Insurance Plc authorised Insurer, registered in Gibraltar (Reg. No. 84085) Zenith Insurance Plc is licensed and based in Gibraltar and is regulated
More informationMOTOR TRADE ROAD RISKS POLICY DOCUMENT COVER ENGINEERED FOR THE MOTOR TRADE
MOTOR TRADE ROAD RISKS POLICY DOCUMENT COVER ENGINEERED FOR THE MOTOR TRADE Free Business Advice Service Available 24 hours each day, 7 days every week, all year round These free helplines service are
More informationMOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS
MOTOR INSURANCE (TRANSLATION ONLY) GENERAL CONDITIONS Subject to coverage, conditions and exclusions of this policy and endorsements attached to this policy, the Company agrees with the Insured as follows:
More informationPrestige Motor. Allianz Prestige Motor Insurance for Financial Institution Customers Policy Document. (Product Disclosure Statement) Prestige Motor
Prestige Motor Financial Institutions Allianz Prestige Motor Insurance for Financial Institution Customers Policy Document. (Product Disclosure Statement) Prestige Motor Our Product Disclosure Statement
More informationForm #QPF 6 (Rev. February 1, 2010) QUEBEC AUTOMOBILE INSURANCE POLICY - NON-OWNED FORM AND ENDORSEMENTS
Form #QPF 6 (Rev. February 1, 2010) QUEBEC AUTOMOBILE INSURANCE POLICY - NON-OWNED FORM AND ENDORSEMENTS These forms have been approved under Section 422 of the Act Respecting Insurance (R.S.Q., chapter
More informationCOMMERCIAL VEHICLE COMPREHENSIVE TAKAFUL POLICY
This document may be called Participant s Membership Document (hereinafter referred to interchangeably as scheme or policy ) as defined in the Takaful Rules, 2012. COMMERCIAL VEHICLE COMPREHENSIVE TAKAFUL
More informationIs your acceptance of the terms set out below and on the form; and
TERMS & CONDITIONS Please read these terms and conditions carefully and if there is anything you do not understand, please ask any member of staff. It is important that you fully understand and accept
More informationToptrans Inner Excess or First amount payable due by you in terms of this policy;
Toptrans Inner Excess or First amount payable due by you in terms of this policy; Section 1 Motor Theft and Hijack Excess Reducer Basic Inner - Nil If the vehicle is stolen and recovered with damages and
More informationCar Insurance Conditions - All Risk
01. WHO ARE INSURED? The insurance applies to all people listed below. These people are referred to as you in the conditions set out below. The person taking out this insurance. The person who uses the
More informationMONEY F&I HOSPITALITY. Defined events. Definitions. Extensions. F&I Hospitality ( ) Page 1 of 6
Defined events MONEY Loss of or damage to money (as defined) occurring in Africa, South of the Equator. Provided that the liability of the company for all loss or damage arising from all occurrences of
More informationCHINA TAIPING INSURANCE (UK) CO LTD MOTOR POLICY SUMMARY
CHINA TAIPING INSURANCE (UK) CO LTD MOTOR POLICY SUMMARY History You are in good hands. China Taiping Insurance (UK) Company Limited received its trading license in 1983 and commenced underwriting business
More informationSPECIMEN. Website: Co. Co. Reg. Reg. No. No E. hereas the insured by a ow this policy witnesseth
3105 Anson Cecil Road Street #16-00 #19-00 Springleaf The Octagon Tower Singapore Singapore 069534 079909 Tel: Tel: 6389 6389 6111 6111 Fax: Fax: 6225 6225 3592 3592 Website: www.sg.cntaiping.com Co. Co.
More informationSummary of Cover. An insurance package for your business suitable for: Why choose the AXA Haulage Vehicle Insurance? Haulage Vehicle Insurance
Haulage Vehicle Insurance Summary of Cover An insurance package for your business suitable for: Hauliers operating up to 5 vehicles within the UK. Hauliers where all drivers are over the age of 25 and
More informationCommercial Insurance Money section
Commercial Insurance Defined events Loss of or damage to money (as defined) occurring in the Republic of South Africa, Namibia, Lesotho, Botswana, Swaziland, Zimbabwe and Malawi except if otherwise specified
More informationMOTOR VEHICLE. Insurance Policy.
info@elmoinsurance.com MOTOR VEHICLE Elmo Insurance Ltd. is authorised to carry out general insurance business and is regulated by the Malta Financial Services Authority. Insurance Policy Do not wait until
More informationSpecial Car Insurance Conditions Limited comprehensive
01. WHO ARE INSURED? The insurance applies to all people listed below. These people are referred to as you in the conditions set out below. The person taking out this insurance. The person who uses the
More informationLV= FLEET INSURANCE POLICY SUMMARY
Policy Underwritten by: Highway Insurance Company Ltd, LV Brentwood, PO Box 9104, Bournemouth, BH1 9DB LV= FLEET INSURANCE POLICY SUMMARY Some important facts about your Fleet Insurance are summarised
More informationCommercial Vehicle Policy
Commercial Vehicle Policy Whereas the Insured by a proposal and declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to MSIG Insurance (Malaysia) Bhd.
More informationPRIVATE CAR B POLICY SECTION 1: LOSS OR DAMAGE
PRIVATE CAR B POLICY Whereas the Insured by a proposal and declaration dated has stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated herein has applied to
More informationMARKERSTUDY MOTORCYCLE INSURANCE POLICY. INSURANCE COMPANY LIMITED
MARKERSTUDY INSURANCE COMPANY LIMITED MOTORCYCLE INSURANCE POLICY MICLMC/05/13 www.markerstudy.com HELPFUL INFORMATION IF YOU NEED TO ALTER YOUR MOTORCYCLE INSURANCE CHANGE OF MOTORCYCLE Please notify
More informationCommercial Motor Vehicle Insurance
Commercial Motor Vehicle Insurance Product Disclosure Statement and Insurance Policy Please read this policy in conjunction with the Certificate of Insurance Ansvar Insurance Limited ABN 21 007 216 506
More informationM.S.P.F. No. 4 - MANITOBA STANDARD GARAGE AUTOMOBILE POLICY (Owner's Form)
M.S.P.F. No. 4 - MANITOBA STANDARD GARAGE AUTOMOBILE POLICY (Owner's Form) INSURING AGREEMENTS In consideration of the payment of the premium specified and of the statements contained in the application
More informationPrivate Car Insurance
Great Eastern General Insurance Limited (Reg. No. 1920 00003W) (A wholly-owned subsidiary of Great Eastern Holdings Limited) 1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659 Tel +65 6248
More informationSUMMARY OF COMMERCIAL VEHICLE INSURANCE COVER
SUMMARY OF COMMERCIAL VEHICLE INSURANCE COVER INSURER Zenith Insurance Plc authorised Insurer, registered in Gibraltar (Reg. No. 84085) and/or its co-insurer St Julians Insurance Company Limited authorised
More informationSt.George Motor Insurance. Product Disclosure Statement and Policy Document.
St.George Motor Insurance Product Disclosure Statement and Policy Document. Effective: 19 November 2016 Welcome and thank you for choosing St.George Motor Insurance. St.George Motor Insurance ( insurance
More informationTerms and Conditions.
Terms and Conditions 1. Interpretation 1.1 In these terms and conditions ( Conditions ) the following words have the following meanings. 1.1.2 Collection Service a Service whereby M&WR Ltd collects Waste
More informationLIABILITY ONLY POLICY
LIABILITY ONLY POLICY POLICY WORDINGS Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be basis of this contract and is deemed to be incorporated herein has
More informationCHINA PACIFIC PROPERTY INSURANCE COMPANY LIMITED COMPREHENSIVE GENERAL LIABILITY INSURANCE (VERSION B)
CHINA PACIFIC PROPERTY INSURANCE COMPANY LIMITED COMPREHENSIVE GENERAL LIABILITY INSURANCE (VERSION B) 1. OPERATIVE CLAUSE The Underwriters will indemnify the Assured against their liability to pay damages
More information(a) loss of or damage to money bullion jewellery precious and semi-precious metals or stones or computer equipment and data carrying media;
CONTENTS SUB-SECTION A CONTENTS INSURED EVENT Loss of or damage to the contents of the rooms by an insured peril. Average (not applicable to insured perils 5, 6 and 8) If on the commencement of the occurrence
More informationPublic liability section Professionals. AXA Business Insurance
Public liability section Professionals AXA Business Insurance Content page Meaning of defined terms 112 114 119 AXA Business Insurance - Public liability section - Professionals Page 111 of 120 Meaning
More informationPRIVATE MOTOR CAR POLICY
PRIVATE MOTOR CAR POLICY IMPORTANT NOTICE Please examine your Policy carefully and make sure the coverage is according to your requirement. Should you have any queries or find any error in the Policy,
More informationYour Commercial Vehicle Insurance Policy Document
Protection. It s in our nature. Your Commercial Vehicle Insurance Policy Document fbd.ie FBD Insurance plc is regulated by the Central Bank of Ireland. FBD Insurance has over 50 years experience and today
More informationFuture Secure Motor Insurance for PRIVATE CAR -POLICY WORDINGS
Future Secure Motor Insurance for PRIVATE CAR -POLICY WORDINGS Future Generali India Insurance Company Limited, Corporate & Registered Office : 6th Floor, Tower - 3, Indiabulls Finance Center, Senapati
More informationYour car is protected with Dayinsure Learner Short Term Insurance from Aviva (UK only)
Your car is protected with Dayinsure Learner Short Term Insurance from Aviva (UK only) Thank You for choosing Us to fulfil your short period car insurance requirements. You can be sure that we ll be there
More informationInjury Bodily injury, death, disease, illness, mental injury, mental anguish or nervous shock.
Employers' Liability Definitions Injury Bodily injury, death, disease, illness, mental injury, mental anguish or nervous shock. Employee Any person under a contract of service or apprenticeship with the
More informationPrestige Motor Insurance. Product Disclosure Document and Policy Document.
Prestige Motor Insurance Product Disclosure Document and Policy Document. Table of contents page Our Product Disclosure Statement About the available covers 5 Understanding your policy and its important
More informationMotor Car Insurance. Policy Document.
Motor Car Insurance Policy Document. Table of contents Welcome 2 Definitions 2 Description of use 2 You are Insured for 3 Amount of Insurance Payable 5 You are not Insured for (Exclusions) 5 General Conditions
More informationBEYONDA TOPSURE POLICY WORDING
BEYONDA TOPSURE POLICY WORDING Beyonda Group (Pty) Ltd. as authorised by Centriq Insurance Company Limited in consideration of having actually received the correct premium agrees and undertakes in favour
More informationBUSINESS INTERRUPTION SECTION
BUSINESS INTERRUPTION SECTION Defined events Loss following interruption of or interference with the business in consequence of damage occurring during the period of insurance at the premises in respect
More informationMOTOR TAKAFUL (TPL Only)
H. Orchid, Ameer Ahmed Magu, Male, Rep. of Maldives Phone: (960) 1600, Fax (960) 331 0300 Web site: www.ayady.mv, Email: info@ayady.mv MOTOR TAKAFUL (TPL Only) WHEREAS the Participant by a proposal and
More informationMotor Minibus Plus Insurance Policy Summary
Motor Minibus Plus Insurance Policy Summary Underwritten by a member of the QBE Insurance Group (QBE/us). Details provided below. Your policy Unless stated otherwise, this insurance is an annual contract
More informationConditions for the Carriage of Goods by Road
Conditions for the Carriage of Goods by Road The Conditions set down the basis on which the Carrier will carry goods for the Customer (definitions of Carrier and Customer are given in Condition 1). The
More informationTWO WHEELER PACKAGE POLICY
Bajaj Allianz General Insurance Company Limited Issuing office : TWO WHEELER PACKAGE POLICY Whereas the Insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of
More informationALLIANZ CAR INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY DOCUMENT
ALLIANZ CAR INSURANCE PRODUCT DISCLOSURE STATEMENT AND POLICY DOCUMENT Preparation Date: 23/01/2018. Online allianz.com.au Call 13 1000 Allianz Car Insurance This Product Disclosure Statement (PDS) is
More informationPUBLIC LIABILITY (OCCURRENCE BASIS)
PUBLIC LIABILITY (OCCURRENCE BASIS) DEFINED EVENTS Damages which the Insured shall become legally liable to pay consequent upon Injury or Damage occurring within the Territorial Limits during the Period
More information3. HIRE PERIOD AND CHARGES
Terms and Conditions Conditions of Business 1.1 These terms and conditions ( terms ) shall apply to each contract for the hire of equipment and/or in relation to the provision of services of personnel
More informationCAR PROTECT360 YOUR CAR PROTECT360 POLICY. Authorised Driver refers to:
CAR PROTECT360 YOUR CAR PROTECT360 POLICY Here is Your Car Protect360 Policy. Please examine this insurance Policy together with the Schedule and the Certificate of Insurance, to ensure that You understand
More informationSTANDARD TERMS AND CONDITIONS
STANDARD TERMS AND CONDITIONS 1. Parties to this Agreement 1. In these conditions ( these Conditions ) WPDT means Wilson Power And Distribution Technologies Pvt. Ltd. and Customer means the person entering
More informationCar Protect360 YOUR CAR PROTECT360 POLICY POLICY DEFINITIONS
Car Protect360 YOUR CAR PROTECT360 POLICY Here is Your Car Protect360 Policy. Please examine this insurance Policy together with the Schedule and the Certificate of Insurance, to ensure that You understand
More informationb) Nuclear reaction, nuclear radiation or radioactive contamination.
ERECTION ALL RISKS INSURANCE POLICY WORDINGS WHEREAS the insured named in the Schedule hereto had made to..insurance Co. Ltd., (hereinafter called the Company ) a written proposal by completing a Proposal
More informationVan Insurance Summary of cover
Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our Van insurance policy. Therefore it does not contain the full terms and conditions of your
More informationA package designed specifically for motor garages who are members of the Society of Irish Motor Industry - SIMI.
SIMI Scheme Insurer Aviva Insurance Limited KEY COVER FEATURES A package designed specifically for motor garages who are members of the Society of Irish Motor Industry - SIMI. Material Damage (Mandatory)
More informationFIDELITY GUARANTEE TAKAFUL POLICY
FIDELITY GUARANTEE TAKAFUL POLICY WHEREAS the Participant named in the schedule hereto had made to JAIZ TAKAFUL INSURANCE PLC (hereinafter called "the Takaful Operator") a written proposal by completing
More informationmotorcycle insurance policy
Europa Underwriting Ltd Registered Office: Europa House Midland Way Thornbury Bristol BS35 2BS Registered in Cardiff No: 3872760. Europa Underwriting Limited is entered in the Financial Services Authority
More informationRENTER TERMS AND CONDITIONS
DRIVEMYCAR RENTALS PTY LTD ACN 075 505 494 RENTER TERMS AND CONDITIONS 1 Governing Terms and Conditions 1.1 These Terms and Conditions (Renter Terms and Conditions), the DriveMyCar Rental Agreement, the
More informationPRIVATE MOTOR INSURANCE POLICY. In Case of Accident, Please Call Najm for Insurance Services. Customer Service
PRIVATE MOTOR INSURANCE POLICY In Case of Accident, Please Call Najm for Insurance Services 92 0000 560 Customer Service 8004414442 Please read the policy. If you have any clarification, please don t hesitate
More informationTHE NEW INDIA ASSURANCE COMPANY LIMITED
THE NEW INDIA ASSURANCE COMPANY LIMITED Registered & Head Office- 87, M.G. Road, Fort, Mumbai-400001. PRODUCT LIABILITY POLICY 1. OPERATIVE CLAUSE : WHEREAS the Insured named in the Schedule hereto and
More informationTRACK & TOW POLICY WORDING
TRACK & TOW POLICY WORDING Underwritten by Guardrisk Insurance Company Ltd, an Authorised Financial Services Provider, FSP license number 75. Tracker Agility Pty Ltd is an Authorised Financial Services
More informationCAR INSURANCE. Product Disclosure Statement (PDS)
CAR INSURANCE Product Disclosure Statement (PDS) 18.02.2017 Important information This document is a Product Disclosure Statement (PDS) and contains important information about the Car Insurance we offer.
More informationZANZIBAR INSURANCE CORPORATION
ZANZIBAR INSURANCE CORPORATION Head Office PO BoX 432 Kenyatta Road Tell +255 24 2232676/2233867 Shangani Fax 255 24 2232422 Zanzibar - Tanzania Email:zichq@zic.co.tz Email: zicdsm@zic.co.tz FIRE DOMESTIC
More informationCHAPTER II And CHAPTER III INCIDENCE, LEVY AND RATE OF TAX, REGISTRATION
CHAPTER II And CHAPTER III INCIDENCE, LEVY AND RATE OF TAX, REGISTRATION 3. Incidence and levy of tax (1) Subject to the provisions of this Act, every dealer under sub-section (2), shall pay tax in the
More informationSUMMARY OF PRIVATE CAR INSURANCE COVER
SUMMARY OF PRIVATE CAR INSURANCE COVER INSURER LEVEL OF COVER TERM OF THE POLICY CANCELLATION IN THE EVENT OF A CLAIM NOTIFICATION OF CHANGES Markerstudy Insurance Company Limited and/or its co-insurers
More informationAustralian Independent Hire A.B.N
Australian Independent Hire A.B.N. 47 114 959 296 PO Box 1158, Ashmore City QLD 4214 15 Jade Dr, Molendinar QLD 4214 Ph: (07) 5578 3777 Fax: (07) 5578 3999 www.aihire.com.au Email: sales@aihire.com.au
More informationMotorcycle Insurance. Policy wording
Motorcycle Insurance Policy wording About your policy. Thank you for choosing to insure your motorcycle with us. We ve designed this document to help you clearly understand the terms of your policy, but
More informationRepairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings
Repairs for your vehicle A like for like hire car Compensation for injury Recovery of other losses, such as loss of earnings Private Car Insurance Policy Document Issued by: International Insurance Company
More informationSureCover Plus Motor Insurance. Product Disclosure Statement and Policy Document.
SureCover Plus Motor Insurance Product Disclosure Statement and Policy Document. Table of contents page Our Product Disclosure Statement About the available covers 4 Understanding your policy and its important
More informationS.P.F. 6 - SUPPLEMENTARY NON-OWNED AUTOMOBILE LIABILITY (Uniform Provinces)
S.P.F. 6 - SUPPLEMENTARY NON-OWNED AUTOMOBILE LIABILITY (Uniform Provinces) This insurance applies only when a Limit of Insurance is indicated on the Declaration Page(s). The limits, terms, provisions
More informationDealer Prestige Motor Insurance. Product Disclosure Statement and Policy Document.
Dealer Prestige Motor Insurance Product Disclosure Statement and Policy Document. Preparation Date: 01/02/2014. Table of contents page Our Product Disclosure Statement 5 About the available covers 5 Understanding
More informationFleet Guard. Policy Wording. What s inside... To make a claim, call Please add this number to your mobile phone
Fleet Guard Policy Wording What s inside... Important information 3 What to do if you have an accident 3 Broken windscreen and window glass 4 What to do if you need to make a claim 4 Contract of insurance
More information